Yes this includes escrow and no PMI.
This was a starter house for us when we were younger and moved to shreveport.
I have about 15 yrs left on the mortgage.
Our plan is too stay in this one until my son is 18 and then let him take over the mortgage and we are going to move to better area and look at a house around $200000 for 15 years.
By that time we will only have a car note assuming we get another one in the next 5-6 years, car insurance, and then monthly house utilities, and our mortgage until my son takes it over.
By then we should be bringing home around $6000 a month so we will be able to afford a new house